Accumulation account administration fees
Members pay a low administration fee of just $1.50 per week plus 0.10% p.a. for the first $800,000 of their account balance - with our administration fee among the lowest in the industry.
For balances under $6,000 a maximum 3%1 fee cap applies to all Australian Retirement Trust accounts, inclusive of administration fees, investment fees and indirect costs.
Fee calculator
Use our calculator to get an approximation of the administration fees and costs you'll pay.
The calculator does not include the 3% cap for account balances less than $6,000. Please note that the Administration fee calculator does not include investment fees and indirect costs in its assumption, as this is dependent on how your superannuation is invested.
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Fees and costs at a glance
The full range of fees and costs associated with an investment in Australian Retirement Trust Super Savings Accumulation accounts are set out below:
Type of fee | Amount | How and when paid |
Investment fee1 |
For the Lifecycle Investment Strategy: Estimated base fee of 0.22% p.a. - 0.24% p.a.2,7 plus estimated performance-related fee of 0.03% p.a.2,7, a total of 0.25% p.a. - 0.27% p.a.2,7 of your account balance.
For Australian Retirement Trust's other investment options: Estimated base fee of between 0.07% p.a.2 and 0.27% p.a.2 plus estimated performance-related fee of between 0.00% p.a.2 and 0.08% p.a.2 of your account balance. |
Deducted daily from the investment option(s) as part of the calculation of daily unit prices. |
Administration fee1 |
$1.503 per week plus 0.10% p.a. for the first $800,000 of your account balance only. (If your Accumulation account balance is over $800,000 a nil percent Administration fee applies to the balance over $800,000) |
Generally deducted from your account balance weekly.3, 8 |
Buy-sell spread | Nil |
n/a |
Switching fee | Nil | n/a |
Advice fees Relating to all members investing in Super Savings investment options |
Nil4 | n/a |
Other fees and costs | Refer to the Additional explanation of fees and costs in this guide. For insurance fees refer to the Super Savings Insurance guide.5 | |
Indirect cost ratio1 |
For the Lifecycle Investment Strategy: 0.66% p.a. to 0.73% p.a.6,7 For Australian Retirement Trust’s other investment options: 0.00% p.a. to 2.83% p.a.6 |
Not charged by Australian Retirement Trust, but instead incurred within underlying investments and deducted from investment returns prior to calculation of daily unit prices. |
2 Actual investment fees for the full range of investment options may be higher or lower than the costs expressed above. For information on investment fees, including estimated fees for our full range of options, refer to Additional explanation of fees and costs in the Super Savings guide.
3 Some Super Savings - Business or Super Savings - Corporate plans may have different fee arrangements. Refer to your Super Savings - Business Plan information factsheet or your Super Savings - Corporate PDS, for more information.
4 For Australian Retirement Trust intra-fund advice. If you engage with an external financial adviser and receive personal advice, the cost of this advice can be deducted from your Australian Retirement Trust account. For more information refer to the Additional explanation of fees and costs in the Super Savings guide.
5 Super Savings – Business members should refer to the Super Savings – Business Insurance guide and Super Savings – Business Plan information factsheet. Super Savings – Corporate members should refer to the Super Savings – Corporate Insurance guide.
6 The indirect cost ratio is calculated using actual costs and reasonable estimates of actual costs incurred in the previous financial year, and can vary each financial year. For information on indirect cost ratios, including the ratios for our full range of options, refer to Additional explanation of fees and costs in the Super Savings guide.
7 The estimated investment fees for the Super Savings Balanced and Retirement Pools are 0.24% p.a. (Base) and 0.03% (Performance-related), and Super Savings Cash Pool are 0.08% p.a. (Base) and 0.00% p.a. (Performance-related). The indirect cost ratio for the Balanced Pool is 0.73% p.a., Retirement Pool is 0.73% p.a. and Cash Pool is 0.00% p.a. The investment fees and indirect costs incurred will vary depending on your allocation to each Pool. The estimated investment fees totalling 0.25% p.a. and the 0.54% p.a. indirect cost ratio shown are estimated based on 90% Retirement Pool, 10% Cash Pool.
8 This fee is not pro-rated for partial weeks.
Note: If you have more than one Super Savings account with Australian Retirement Trust:
- The fee cap for balances greater than $800,000 applies to each individual account and is not aggregated across multiple accounts.
- The fee cap for balances less than $6,000 takes into account your aggregate balance across all accounts you hold with Australian Retirement Trust.
Want to learn more?
If you are retired and have an Australian Retirement Trust Super Savings Retirement income account, check the fees and costs that may apply to your account.
Take a look at the breakdown of investment fees and costs for each investment option.
See the definitions for fees and costs.